Most lenders' minimum requirement will be 2 years of accounts. They will take an average so the more, the better!

To provide proof of your earnings to the lender, we'll need your SA302 forms which you will be able to download for free or get from your accountant. 

The key things you will require are as follows:

  • Two years’ accounts (minimum)
  • A track record of regular work
  • A healthy deposit
  • A good credit history

Lenders will decide how much they are willing to lend typically by looking at your average profit over the past years.

What if I don't have 2 years of accounts yet?

If you don't have 2 years worth of accounts there are still options, as long as you have at least one year and can prove a track record of regular work or have evidence of work lined up for the future.  

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